Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across New Jersey, Delaware and Pennsylvania.
Ziyadah Birthwright is a Certified Mortgage Planning Specialist (CMPS). She knows that buying or refinancing a home is the biggest financial decision of her clients’ lives. That’s why she makes a point of consulting with her clients throughout the entire loan process, so they are well educated and active participants in the transaction.
She has an extensive background in all facets of mortgage lending and assisting her clients with many different needs, whether they are a homebuyer looking to purchase a new home or current homeowners looking to benefit from refinancing. Her expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
Ziyadah also makes a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so she can serve as an informed advocate for her clients.
Her focus is on not merely getting clients a loan, but finding the best loan for them.
Rating: 5.0 out of 5.0 from Encompass Ms Birthwright proved that she was knowledgeable about the whole process. I was introduced to her last November and she was able to provide guidance up until the date of settlement. She was always a call or text away . I am truly satisfied and grateful. I just shared her contact information with seve... Patricia LPhiladelphia, PA May 15
Ms Birthwright proved that she was knowledgeable about the whole process. I was introduced to her last November and she was able to provide guidance up until the date of settlement. She was always a call or text away . I am truly satisfied and grateful. I just shared her contact information with seve...
Rating: 5.0 out of 5.0 from Encompass Keep up the great work MichaelPhiladelphia, PA May 08
Keep up the great work
Rating: 4.8 out of 5.0 from Encompass Ziyadah was very helpful throughout the process. She really cares about the client and really puts their interest first. SheasmaPhiladelphia, PA Dec 19
Ziyadah was very helpful throughout the process. She really cares about the client and really puts their interest first.
Rating: 5.0 out of 5.0 from Encompass would never use anyone else for home financing, Ziyadah is the best, how can you beat that? I bought 3 homes in my 65 years, the last 2 where with Ziyadah by my side, about 13 years apart and they by far went absolutely smooth and stress free compared to my first mortgaging experience. She has a work ethic beyond reproach, she is timely, informatio... Jeffrey LWhiting, NJ Nov 07
would never use anyone else for home financing, Ziyadah is the best, how can you beat that? I bought 3 homes in my 65 years, the last 2 where with Ziyadah by my side, about 13 years apart and they by far went absolutely smooth and stress free compared to my first mortgaging experience. She has a work ethic beyond reproach, she is timely, informatio...
Rating: 5.0 out of 5.0 from Encompass Ziyadah. Simply she made everything go so well. She was so knowledgable and good at what she does that we could have documents in and finished before they were even needed so things could keep moving forward quickly with no or few issues. She was also able to help releve stress with our constant communication on what was happening and if we ever ha... GwenWhiting, NJ Oct 25
Ziyadah. Simply she made everything go so well. She was so knowledgable and good at what she does that we could have documents in and finished before they were even needed so things could keep moving forward quickly with no or few issues. She was also able to help releve stress with our constant communication on what was happening and if we ever ha...
Rating: 5.0 out of 5.0 from write_review I can't say enough positive things about Ziyadah. Despite challenges she never makes you feel unworthy or fails to respond to any question in a timely manmor. This is my second time using her, after12-13 years I Iocated her and offered her my business all over again. I'll never forget her helping me the process the first time and have no intrest ... JEFFREY Sep 24
I can't say enough positive things about Ziyadah. Despite challenges she never makes you feel unworthy or fails to respond to any question in a timely manmor. This is my second time using her, after12-13 years I Iocated her and offered her my business all over again. I'll never forget her helping me the process the first time and have no intrest ...
Rating: 5.0 out of 5.0 from Encompass Ziyadah was very helpful evey step of the way. She kept the lines of communication open to me and was very transparen. SheasmaPhiladelphia, PA Feb 24
Ziyadah was very helpful evey step of the way. She kept the lines of communication open to me and was very transparen.
Rating: 5.0 out of 5.0 from Encompass Ziyadah made things simple which is great because I had about a million questions. You can tell she really cared about what was best for my children and I. I am beyond grateful for all of your time and dedication to this process. BrittanyBrowns Mills, NJ Dec 30
Ziyadah made things simple which is great because I had about a million questions. You can tell she really cared about what was best for my children and I. I am beyond grateful for all of your time and dedication to this process.
Rating: 5.0 out of 5.0 from Encompass Ziyadah was very communicative and supportive throughout the whole process. She took her time and explained every step of the process and it was so helpful to my first time homebuyer. Highly recommend!! DaynaBrowns Mills, NJ Dec 30
Ziyadah was very communicative and supportive throughout the whole process. She took her time and explained every step of the process and it was so helpful to my first time homebuyer. Highly recommend!!
Rating: 5.0 out of 5.0 from Encompass Ziyadah was easy to communicate with, effective and transparent. I will definitely be referring clients to her JannahDover, DE Dec 20
Ziyadah was easy to communicate with, effective and transparent. I will definitely be referring clients to her
Rating: 5.0 out of 5.0 from Encompass Ziyadah went above and beyond in every way. I really appreciate it her help throughout this process. I would highly recommend her to others. CharnaeVentnor City, NJ Nov 18
Ziyadah went above and beyond in every way. I really appreciate it her help throughout this process. I would highly recommend her to others.
Rating: 5.0 out of 5.0 from Encompass Ziyadah was very professional and made us aware of where we were in the process....she made sure that we knew every thing that she was doing...she was able to help us close a chapter that we had been trying to close for several years...so grateful for her expertise that has given us "new beginnings"...I would readily refer her to family and frie... Mary MSicklerville, NJ Nov 11
Ziyadah was very professional and made us aware of where we were in the process....she made sure that we knew every thing that she was doing...she was able to help us close a chapter that we had been trying to close for several years...so grateful for her expertise that has given us "new beginnings"...I would readily refer her to family and frie...
Rating: 5.0 out of 5.0 from Encompass Very timely and communicative, made the process smooth and easy. Kevin MCherry Hill, NJ Oct 03
Very timely and communicative, made the process smooth and easy.
Rating: 5.0 out of 5.0 from Encompass Everything was clear and all my questions were answered in a timely manner. ZulmaryStratford, NJ Aug 05
Everything was clear and all my questions were answered in a timely manner.
Rating: 5.0 out of 5.0 from Encompass Ziyadah is an exceptional Mortgage Loan Originator who ensures that clients are well-informed about product availability and options. I enjoy working with her because she always ensures that we reach the closing table. VendelaPhiladelphia, PA Aug 02
Ziyadah is an exceptional Mortgage Loan Originator who ensures that clients are well-informed about product availability and options. I enjoy working with her because she always ensures that we reach the closing table.
Rating: 5.0 out of 5.0 from Encompass Ziyadah is an expert in her field and demonstrates excellent communication skills and responsiveness whenever clients or agents have questions or concerns. NathanStratford, NJ Jul 24
Ziyadah is an expert in her field and demonstrates excellent communication skills and responsiveness whenever clients or agents have questions or concerns.
Rating: 5.0 out of 5.0 from Encompass The process was easy and everything was straight and forward. It felt like family was taking care of us. Ziyadah did a great job explaining everything to us and was there for us when we needed her. MiguelStratford, NJ Jul 24
The process was easy and everything was straight and forward. It felt like family was taking care of us. Ziyadah did a great job explaining everything to us and was there for us when we needed her.
Rating: 5.0 out of 5.0 from Encompass It was a wonderful experience, tough at times, but worth it MekhiCatasauqua, PA Jul 22
It was a wonderful experience, tough at times, but worth it
Rating: 5.0 out of 5.0 from Zillow Ms. Ziyadah was a true asset with regards to purchasing my first home. She made the whole process easy, and her knowledge and experience was incomparable. I had no issues and I would highly suggest anyone to utilize her if they are looking to a buy a home. Darrellsalter15Delran Township, NJ Jun 18
Ms. Ziyadah was a true asset with regards to purchasing my first home. She made the whole process easy, and her knowledge and experience was incomparable. I had no issues and I would highly suggest anyone to utilize her if they are looking to a buy a home.
Rating: 5.0 out of 5.0 from Zillow Ziyadah was very thorough with every aspect of the process. I always felt comfortable that we were going to get a good rate and she was on our side in dealing with the seller. I would highly recommend her to others Joe BuscagliaSpringfield, PA Jun 18
Ziyadah was very thorough with every aspect of the process. I always felt comfortable that we were going to get a good rate and she was on our side in dealing with the seller. I would highly recommend her to others
Rating: 5.0 out of 5.0 from Zillow She walked us through every step of the complicated home buying process with patience and guidance at all instances. She gave us all the necessary ideas and document support which helped us throughout the home buying process to get the best possible rates and loan to get approved in a smooth timely manner. Always available over the phone and text t... HemingandhiChesterfield Township, NJ Jun 18
She walked us through every step of the complicated home buying process with patience and guidance at all instances. She gave us all the necessary ideas and document support which helped us throughout the home buying process to get the best possible rates and loan to get approved in a smooth timely manner. Always available over the phone and text t...
Rating: 5.0 out of 5.0 from Zillow She was extremely helpful & answered all our questions available at all times she went above & beyond to help us understand everything & made sure we got a great deal Cindynsico97Berlin, NJ Jun 18
She was extremely helpful & answered all our questions available at all times she went above & beyond to help us understand everything & made sure we got a great deal
Rating: 5.0 out of 5.0 from Zillow she was on top of information more than anyone else she knows her job very well. she was available anytime of day or night by call or by text. No matter how frustrating you maybe she can help with instructions and detail on how to get things done. She sends e-mails on time before the realtor can tell her what is needed she is wonderful. User4046316Burlington Township, NJ Jun 18
she was on top of information more than anyone else she knows her job very well. she was available anytime of day or night by call or by text. No matter how frustrating you maybe she can help with instructions and detail on how to get things done. She sends e-mails on time before the realtor can tell her what is needed she is wonderful.
Rating: 5.0 out of 5.0 from Zillow Being a first time home owner is nerve raking but Ziyadah made it easier. She was on top of things. If I needed something I was able to contact her anytime day or night. Khaing LukeEdgewater Park Township, NJ Jun 18
Being a first time home owner is nerve raking but Ziyadah made it easier. She was on top of things. If I needed something I was able to contact her anytime day or night.
Rating: 5.0 out of 5.0 from Zillow Very good service I will recomend to anyone I know thats interested in getting a loan.I definitely use this lender again.I'm very pleased by the out come. Clayalleyne1972Upper Darby, PA Jun 18
Very good service I will recomend to anyone I know thats interested in getting a loan.I definitely use this lender again.I'm very pleased by the out come.